Auto Retailer commercial insurance is one of the most important purchases a member makes. The average member's insurance coverage could make or break a member's business should they be underinsured or do not have the appropriate coverage's in the event of a loss. The many different commercial insurance policies, services and coverage differences or the lack of knowledgeable agents can make the process even more difficult and purchasing coverage solely on price could turn out to be a costly mistake.

The NIADA P&C and Workman's Comp program offers exceptional commercial insurance products to protect members nationwide. The program provides members affordable and easy payment terms and excellent claims handling. The program offers a full complement of coverage's to insure your business including:

Liability

Vehicle Inventory

Property

Crime

Excess Liability/Umbrella

Workers Compensation

Identity Theft recovery services

Why Edward E. Hall and Company:

NIADA partnered with Edward E. Hall Company because of its over 145 year
history for quality insurance services in the Property & Casualty business.
EEH is a third generation business that knows the value of building strong
customer relations. EEH has created innovative auto retailer commercial
insurance programs since 1998 and serve over 4,000 auto retailer customers.

BERKSHIRE RISK SERVICES COLLATERAL PROTECTION INSURANCE:

Point of Loan Origination Collateral Protection Insurance is physical damage insurance tailored for the BHPH and special finance market. It is designed with the understanding that lender placed insurance can be a valuable too for subprime lenders but that premiums are often difficult or sometimes impossible to collect if the premium is added midterm to the customers loan.

CPI is structured to allow lenders to address the most important issue of physical damage insurance, including the exact cost of collateral protection insurance coverage before the vehicle leaves the lot. Easy enrollment and monthly premium billing make the program both simple to administer and highly cost effective.

BHPH Lender Benefits:

With CPI physical damage the lender controls placement of physical damage insurance, not having the rely on the customer to do so.

No more chasing down insurance certificates from customers or insurance companies

Premiums may be billed one month at a time or annually within the vehicle finance contract

The population in America is changing. As American's age and medical advancements spawn longer lives, the need for long term care is skyrocketing. As long term care gains popularity, costs are beginning to rise more rapidly and are expected to increase steadily over the next few years.

Millions have already exhausted their retirement in a very short amount of time in an effort to pay for these services. While your medical plan and Medicare provide valuable benefits, they often don't cover the high costs of long term care. Long term care insurance helps pay for these services by covering the costs for nursing homes, assisted living centers and in-home care.

NIADA members and their families can obtain discounted long term care insurance that enables the flexibility of choosing benefits that tailor to their needs so they don't pay for unnecessary coverage. In addition, these policies are 100% portable so if life steers you away from NIADA, you will continue to receive discounts for the life of your policy.

NADA has selected LTC Financial Partners (LTCFP), on the nation's premier experts in long term care planning, to educate you on this subject and help you make the fundamental shift in retirement planning. To learn how long term care insurance can help you plan for your retirement, contact LTCFP toll-free 877-736-5086 or visit www.niadaltc.com.

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A Message from Liberty
Mutual Insurance

Auto Insurance Tailored
for the Way You Live Today

Liberty Mutual has partnered with NIADA to offer
membersauto and home insurance that
could save you hundreds of dollars.* Along with quality coverage, expert
advice, and personalized service, you could also enjoy our many money-saving
opportunities catered to your lifestyle, including our New to Liberty, Newly
Married, New Move, and Hybrid Vehicle Discounts.*

In addition, Liberty Mutual Insurance
holds our approved repair shops to the highest standards. That’s why, if you
choose one of them to fix your car, you’ll receive a Lifetime Repair Guarantee.*
We’ll even make the arrangements.

Call 800-524-9400 and mention
Client #120921 or visit
Liberty Mutual to learn more or get a free quote.

*Discounts
and savings are available where state laws and regulations allow. *Loss must be covered by your policy.

MetLife Simplified Issue Term Life Insurance

Simplified Issue Term Life InsuranceProtect your family against the
unexpected in a few easy steps

Have you been putting off getting life insurance because you thought it was too expensive or
too complicated? Simplified Issue Term life Insurance from MetLife offers an affordable way to
ensure obligations like a mortgage or college tuition are paid if the unfortunate occurs, and can
also be a smart supplement to permanent life insurance during times of high expenses.1Get a FREE Quote >
Learn More about Simplified Issue Term life Insurance:
Call 1‐ 855‐356‐3874This product is not available in CA and WA, and to individuals over the age of 70.1Your rate will increase on birthdays when your age ends in a 1 or 6 (example 41, 46, 51, 56). The Simplified Issue Term
Life Insurance Policy is issued by MetLife Investors USA Insurance Company, Irvine, CA, 92614 (form # 5E‐28‐13), and in
New York by Metropolitan Life Insurance Company, New York, NY 10166 (form # 1E‐28‐13‐NY). If the insured dies
accidentally before age 71 and as described by the terms in the policy, we will pay two times the face amount less any
policy loans. This benefit will not be paid if the insured’s death resulted from suicide, mental illness or treatment for
mental illness, infection, drug use, commission of or attempt to commit an assault or felony, flight in or descent from or
with any kind of aircraft or spacecraft, or war. If the insured dies by suicide within two policy years, we will refund the
premiums paid, less any policy loans. Product features and availability vary by state. Like most life insurance policies,
MetLife policies contain exclusions, limitations, reduction of benefits, and terms for keeping them in force. MetLife can
provide you with costs and complete details, and terms for keeping them in force. MetLife can provide you with costs
and complete details.
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